Explorers Federal Credit Union

Headquarters: Yankton, South Dakota
Charter: Credit Union
Assets: $111.5M
Fed district: Minneapolis
Regulator: NCUA

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Explorers Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Explorers Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Explorers Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $612K in Q2 2026, 55% above the same quarter a year earlier ($394K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Explorers Federal Credit Union: $5 to $30
Explorers Federal Credit Union: $5 to $30
U.S. median: no median
Non-Network ATM
Explorers Federal Credit Union: $1
Explorers Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Explorers Federal Credit Union: $15
Explorers Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 50% from Q3 2025 to Q2 2026, to $612K.

Fee income, Q2 2026

$612K

$409KQ3 2025

$400KQ4 2025

$212KQ1 2026

$612KQ2 2026

Against the median

Explorers Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Explorers Federal Credit Union · $112M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Credit unions only
$109M to $114M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Explorers Federal Credit Union(this institution)	Yankton, SD	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chiphone Federal Credit Union	Elkhart, IN	$112M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cleveland Selfreliance Federal Credit Union	Parma, OH	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Credit Union of The Rockies	Golden, CO	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Deepwater Industries Federal Credit Union	Deepwater, NJ	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First California Federal Credit Union	Fresno, CA	$110M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Eagle Federal Credit Union	Owings Mills, MD	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Greater Pittsburgh Police Federal Credit Union	Pittsburgh, PA	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hibbing Cooperative Federal Credit Union	Hibbing, MN	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ibew & United Workers Federal Credit Union	Portland, OR	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Madison County Federal Credit Union	Anderson, IN	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Membersown Federal Credit Union	Lincoln, NE	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Metrum Community Federal Credit Union	Centennial, CO	$112M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mobile Educators Federal Credit Union	Mobile, AL	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Alliance Federal Credit Union	Ambridge, PA	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northridge Community Federal Credit Union	Virginia, MN	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
One Credit Union of Ny	Cheektowaga, NY	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Palco Fcu Federal Credit Union	Muncy, PA	$109M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rancho Federal Credit Union	Downey, CA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Riverview Federal Credit Union	Belpre, OH	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Seaport Federal Credit Union	Elizabeth, NJ	$110M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southern Lakes Federal Credit Union	Kenosha, WI	$113M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southwest 66 Federal Credit Union	Odessa, TX	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Total Community Federal Credit Union	Taylor, MI	$111M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorthern Federal Credit Union	Malone, NY	$112M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Weld Community Federal Credit Union	Greeley, CO	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Explorers Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $8 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026.

Monthly maintenance fee in dollars, one mark per institution

Explorers Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Explorers Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Explorers Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $612K
vs prior quarter: +$400K+188.7%; from Q1 2026
vs a year earlier: +$218K+55.3%; from Q2 2025
vs start of range: +$208K+51.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Explorers Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$612K	+$400K	+188.7%
Q1 2026	$212K	−$188K	−47.0%
Q4 2025	$400K	−$9K	−2.2%
Q3 2025	$409K	+$15K	+3.8%
Q2 2025	$394K	+$19K	+5.1%
Q1 2025	$375K	−$22K	−5.5%
Q4 2024	$397K	−$7K	−1.7%
Q3 2024	$404K	−$14K	−3.3%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Explorers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
per month
Account Reconciliation$5
Account Research$5
Returned Mail Fee$5

Overdraft & NSF

Advance fee per overdraft$5
per item
Overdraft (ACH NSF)$30
per item
Overdraft Transfer (from Shares)$5

ATM & Card

ATM Transaction$1
per item
Foreign Transaction Fee (Card)1%of the transaction
Foreign Transaction Fee (Card) (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer (Outgoing)$15
Wire Transfer (Incoming)$5

Check Services

Cashier’s Check$5
Money Order$1
per item
Stop Payment (Check or ACH)$30
per item
Draft (Check) Copy (front and back)$2

Digital & Electronic

Overdraft (ACH Non-Return)$30
per item
Online Bill Pay Transaction$0.50
Not compared: Per-item charge, not monthly
per item

Account Services

Safe Deposit Box Rent – 3″x10″ (Annual)$22.50
per year
Safe Deposit Box Rent – 3″x5″ (Annual)$12.50
per year
Compliance with Legal order/Levy$25

Other Fees

Copy of Tax Forms (1099, 1099R, 1098, or 5498)$2
Fax (Outgoing)$2
Photocopy$0.25
per item
Statement Copy$2
Loan Skip A Pay$35

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	per month	None
Account Reconciliation	$5	Not stated	None
Account Research	$5	Not stated	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Advance fee per overdraft	$5	per item	None
Overdraft (ACH NSF)	$30	per item	None
Overdraft Transfer (from Shares)	$5	Not stated	None
ATM & Card
ATM Transaction	$1	per item	None
Foreign Transaction Fee (Card)	1%of the transaction	Not stated	None
Foreign Transaction Fee (Card) (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$15	Not stated	None
Wire Transfer (Incoming)	$5	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Money Order	$1	per item	None
Stop Payment (Check or ACH)	$30	per item	None
Draft (Check) Copy (front and back)	$2	Not stated	None
Digital & Electronic
Overdraft (ACH Non-Return)	$30	per item	None
Online Bill Pay Transaction	$0.50Not compared: Per-item charge, not monthly	per item	None
Account Services
Safe Deposit Box Rent – 3″x10″ (Annual)	$22.50	per year	None
Safe Deposit Box Rent – 3″x5″ (Annual)	$12.50	per year	None
Compliance with Legal order/Levy	$25	Not stated	None
Other Fees
Copy of Tax Forms (1099, 1099R, 1098, or 5498)	$2	Not stated	None
Fax (Outgoing)	$2	Not stated	None
Photocopy	$0.25	per item	None
Statement Copy	$2	Not stated	None
Loan Skip A Pay	$35	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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